Request for advice:

I need to decide in the next two weeks which medical school to attend. My two top candidates are both state universities. The relevant factors to consider are cost (medical school is appallingly expensive), program quality (reputation and resources), and location/convenience.

Florida International University Cost: I have been offered a full tuition scholarship (worth about $125,000 over four years), but this does not cover $8,500/yr in "fees" and the cost of living in Miami is high. The FIU College of Medicine's estimated yearly cost of attendance (including all living expenses) is nearly $69,000; if I multiply that by four years and subtract the value of my scholarship I get about $145,000. However, my husband will continue working during all four years, defraying some of my expenses, so I hope to keep my actual indebtedness at graduation under $100,000 if I attend FIU. Program Quality: This is difficult to gauge, because the program is very new, having only graduated its first class of MDs this year. Their reputation is necessarily unestablished. All of their graduates successfully matched into residencies this year (a few in prestigious hospitals and competitive specialties), but this is reassuring rather than impressive. They only graduated 33 students although they matriculated 40 in their first year; not sure if that represents a worrying rate of attrition or what became of the other students (though I plan to ask). Another consideration is that although FIU is affiliated with many well-known hospitals in South Florida, they do not have a dedicated teaching hospital. Location/convenience: Already mentioned the higher cost of living. Miami is also farther from where we are currently living and working (over 3 hours away vs under 2 for Gainesville). My husband could probably find work in Miami, but it might be less desirable or pay less than his current job, and we would probably need to live apart during the week until he does. Also, the widely-scattered hospitals through which FIU students rotate, as well as South Florida traffic, make me worry about my quality of life during my third year.

The University of Florida Cost: I have been offered $7500 per year in aid. The rest of the $50k/year cost of attendance (including living expenses) would be loans. Again, my husband would continue to work and pay some of my expenses. In all I estimate a $30k-$60k difference in indebtedness at graduation between the two programs (in FIU's favor). Program Quality: UF is Florida's oldest and best-respected medical school, which is to say good but not elite. UF also has a reputable teaching hospital on campus, and a larger research budget, which would help build my resume if I decide to try for a very competitive specialty. They graduate 95% of their students within 4 years (98% in 5 years), and their residency match list looks a bit nicer than FIU's on average. For what it's worth (probably not much), I have a better feeling about this program's "culture" based on the events I've attended. Location/Convenience: Gainesville is closer. It might be feasible for my husband to stay at his current workplace for all four years if we find a good place to live around midway between.

Other advice I have received: Jess Whittlestone at 80,000 Hours suggested I'd do best, impact-wise, to consider which school would maximize my earning-to-give potential. This would mostly depend on the specialty I go into-- based on how I feel now, I'm most likely to try for an Internal Medicine subspecialty, which would mean doing a fellowship after residency. A good residency match would position me well for a fellowship in a competitive field. Physicians whom I have asked for advice tell me that people commonly match into even very competitive residencies from lower-ranked US MD schools, but it takes more work (better test scores, stronger evaluations). They also tend to say "OMG take the money" when I say the words "full tuition scholarship".

You can probably tell that I lean towards UF, but I don't want to make a bad call. What am I missing? What should I be asking the schools? Where should I go?